Valley Premier Bank
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Data as of · sourced from FFIEC call reports. How we update
Valley Premier Bank is an FDIC-insured commercial bank headquartered in Hawley, MN, established in 1892 (FDIC certificate 11409), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $141.0M, down 3.0% from Q2 2025, the 138th largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.13% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11409
- Headquarters
- Hawley, MN
- Established
- 1892
- Total assets, Q2 2026
- $141.0M
- Assets vs Q2 2025
- -3.0%
- Tier 1 leverage ratio, Q2 2026
- 11.13%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091204103
- Holding company
- BANKSHARES OF HAWLEY, INC.
- Asset rank in state
- 138th of 221 in Minnesota
Valley Premier Bank, based in Hawley, Minnesota, reported $141 million in assets at June 30, 2026, down 3.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also lost 4.7% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Net income for the quarter rose 19% from a year earlier, to $496,000. Over the same year, loans grew 5.8% and deposits shrank 4.7%.
As of June 30, 2026, Valley Premier Bank reported a return on assets of 1.37%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Valley Premier Bank is the 138th largest of the 221 banks headquartered in Minnesota. Between Q1 2026 and Q2 2026, its total assets fell 3.5% to $141.0M, loans rose 4.7% and deposits fell 3.8%. 1-4 family residential loans made up 33.7% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 18.1%. Its 2 offices in the FDIC Summary of Deposits are in Hawley, MN and Moorhead, MN; its Hawley office books 74% of its branch deposits. By the capital ratios in its Q2 2026 call report, Valley Premier Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 416 6th St, Hawley, MN 56549
- County
- Clay
- Metro Area
- Fargo, ND-MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1892
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $127.7M
- Allowance for credit losses
- $803K
- Net charge-offs (YTD)
- $0
- Average total assets
- $145.2M
- Average total loans
- $89.0M
- Average interest-bearing deposits
- $97.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11409
- Fed RSSD
- 1008955
- Website
- www.valleypremierbank.com →
- Parent Holding Company
- BANKSHARES OF HAWLEY, INC. (RSSD 1125656)
- Ultimate Parent
- RSSD 2161437
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Valley Premier Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Valley Premier Bank's total assets ran between $127.2M (Q1 2024) and $150.8M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$141.0M total assets against $145.3M; $128.3M total liabilities against $134.6M.
$89.5M net loans and leases against $84.5M; $127.7M total deposits against $133.9M.
$40.1M securities against $39.7M; $8.4M cash and balances due against $19.6M.
$1.8M total interest income against $1.8M; $490K total interest expense against $558K.
$1.3M net interest income against $1.2M.
$45K total noninterest income against $44K; $859K total noninterest expense against $838K.
$20K provision for credit losses against $0.
$496K net income against $416K.
1.37% return on assets against 1.13%; 3.71% net interest margin against 3.37%.
11.13% tier 1 leverage ratio against 10.19%.
Inside the full Valley Premier Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeValley Premier Bank rankings
Its closest position to the top of a national ranking is 1,592 of 3,611, for ROA; its furthest is 3,584 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.77% (Q4 2024) to 1.44% (Q1 2026) and its net interest margin ran from 3.25% (Q3 2024) to 3.71% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.13% | 1.37% | 0.00% | 0.00% | 3.71% |
| Q1 2026 | 10.57% | 1.44% | 0.00% | 0.00% | 3.59% |
| Q4 2025 | 10.23% | 1.11% | 0.00% | 0.00% | 3.37% |
| Q3 2025 | 10.21% | 1.38% | 0.13% | 0.86% | 3.34% |
| Q2 2025 | 10.19% | 1.13% | 0.00% | 0.00% | 3.37% |
| Q1 2025 | 10.84% | 1.29% | 0.00% | 0.00% | 3.37% |
| Q4 2024 | 10.65% | 0.77% | 0.00% | 0.00% | 3.35% |
| Q3 2024 | 10.49% | 1.03% | 0.00% | 0.00% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Valley Premier Bank (main office) | Hawley , MN | 56549 | $94.0M |
| Moorhead Branch | Moorhead , MN | 56560 | $33.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 167 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 33 applications, 31 loans originated, $5.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Valley Premier Bank
What are Valley Premier Bank's total assets?
As of the Q2 2026 filing, Valley Premier Bank reported total assets of $141.0 million in its FFIEC call report.
Where is Valley Premier Bank headquartered?
It is headquartered in Hawley, MN, United States.
When was Valley Premier Bank founded?
It was established in 1892, per the FDIC institution directory.
Is Valley Premier Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11409). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Valley Premier Bank?
Valley Premier Bank's primary federal regulator is the FDIC.
How many branches does Valley Premier Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Valley Premier Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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